1. What changes have you made?

We have made changes to the definitions of 3 of the critical illnesses we cover and also added 2 new illnesses.

So what improvements have we made?

We have made changes to the following definitions:

• Aorta graft surgery – for disease or traumatic injury
• Coma – resulting in permanent symptoms
• Third degree burns – covering 20% of the body’s surface area or 50% loss of surface area of the face

In addition to the 11 illnesses we cover (this includes Total Permanent Disability) that the ABI don't have standard definitions for we have added two more.

2. What are the 2 new illnesses?

The 2 new illnesses we have added to ensure we continue to offer wide cover at a competitive price are:

• Primary pulmonary hypertension - of specified severity
• Systemic lupus erythematosus - with severe complications

These illnesses are in addition to the ABI's standard illnesses.

3. How many illness definitions exceed the ABI standards?

In addition to the Heart attack definition we have improved 3 more to exceed the standards set by the ABI.

There are 4 illness definitions that exceed the ABI standards:-

• Aorta graft surgery - for disease or traumatic injury. We have added traumatic injury.
• Coma - resulting in permanent symptoms. We have removed the need for the use of life support systems to be for a continuous period of at least 96 hours.
• Heart attack - of specified severity. We have removed the requirement to have typical clinical symptoms.
• Third degree burns - covering 20% of the body's surface area. We have added 50% loss of surface area of the face which for the purposes of this definition includes the forehead and ears.

4. How many illnesses do you now cover?

We now cover 35 illnesses including Total Permanent Disability (TPD).

5. So are you increasing costs as a result of these changes?

No, we made our offering to customers more competitive without increasing the current pricing.

6. Does this affect any Bright Grey Life or Critical Illness Cover plan in force?

No these changes do not affect any Life or Critical Illness Cover plan that is already in force. These new definitions only apply to new plans quoted for after we have adopted the new definitions, and they aren't reviewable. This means that once a plan is in force, the definitions that apply to that plan won't change.

7. What happens if a client wants to increase their cover on an existing plan?

If a client wants to increase the amount of Life or Critical Illness Cover they have on an existing plan we will issue a new plan for the increase. This is because the new definitions will only apply to the increase. But the new plan will not include another plan charge.

8. Why should I place business with Bright Grey rather than another provider who covers more illnesses?

While the new and improved definitions are good news for your clients, we believe that the basis for recommending a provider shouldn't depend on the list of critical illness definitions they offer. It's the overall proposition that delivers best value and the combination of a number of things that makes a great product:

• A comprehensive and sensible list of conditions
  Your clients will understand which illnesses are covered, and to what severity.
• Practical and emotional support
  We give your clients and their families access to our Helping Hand service at no extra cost.
• Value-for-money protection
  You can tailor your client's plan to suit their budget, because a little bit of critical illness cover is better than none at all.
• Clear and simple literature for your client
  We know that protection can seem complicated so we make sure that we communicate our product clearly and simply for your clients.